TO PROTECT LICENSED FAMILY CHILDCARE HOMES FROM TERMINATION OF HOMEOWNERS INSURANCE COVERAGE; AND TO PROHIBIT DISCRIMINATION AGAINST LICENSED FAMILY CHILDCARE HOMES BY HOMEOWNERS INSURANCE PROVIDERS.

HB 1950 would prevent homeowners insurance companies in Arkansas from canceling or refusing to renew policies for licensed family childcare homes solely because they operate as childcare facilities. It requires operators to maintain a separate $100,000 personal liability insurance policy (in addition to standard homeowners insurance) and mandates insurers to provide written notice and a chance to fix issues before cancellation - without forcing operators to stop childcare services. The Arkansas Department of Education would enforce these rules, handling complaints about insurance discrimination. This bill directly affects childcare home operators and insurers, ensuring insurance access tied to compliance with state childcare regulations.